Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Sign in to follow this  

Updated BackDoor Numbers

Recommended Posts

A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - these people/departments have decision-making abilities far beyond frontline CSR's; they can take and review requests for reconsideration of denied CC apps or CLI requests, APR reductions, etc. and implement their decisions.

 

I can continuously update this first post with the latest information if everyone will post to this thread.  I'll make the change and acknowledge.  We truly appreciate your participation.

 

Amazon (store card): see Synchrony (GE)
AMEX:                      (Oasis Program)
AMEX: 866-314-0237 (new app status)
AMEX: 800-582-6471 (recon with frozen EX for pin)
AMEX Business charge cards - (877) 399-3083
AMEX Credit Bureau Unit: 800-874-2717 (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number)

Barclays: 888-232-0780 (Customer Care)
Barclays: 866-408-4064 (Credit Analyst)
BBVA Compass Bank: (American Express Card issues only) 866-246-2924
Best Buy: 877-420-0001
Best Buy: 888-908-9890 (Credit Analyst, existing accounts only)
BofA: 888-260-4696 (secured accts.)
BofA: 800-824-5895 (secured & partially secured accts.)
BofA: 800-881-4730, 866-226-8225, 800-247-7975 (Credit Analyst, existing accounts only)
BofA: 866-618-4585 (Sr Credit Analyst)
BofA: 704-386-5687 (Office of the CEO)
BofA: 888-500-6270 (Credit Dept. Fax)
BofA Business: 877-665-5023 (Analyst/UW)
BofA Business: 877-665-5023 (New applications)
BofA Business: 800-442-1043

Cap1: 800-625-7866 (Account Specialist)
Cap1: 800-951-6951 (cust. relations)
Cap1: 800-548-4593 (application department; status)
Cap1: 800-889-9939, 800-625-7866 (Account Specialist)
Cap1: 877-513-9959 (Account Retention?)
Cap1: 800-258-9319 (Debt Recovery)
Cap1: 866-280-0118, 800-955-1455 (EO) (Nerfed in general)
Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst)
Chase: 800-432-3117 (App status)

Chase Personal CC Recon 888-270-2127
Chase Business CC Recon 800-453-9719
Chase: 800-453-9719 (Business card lending)
Chase: 888-622-7547 (Chase Executive Ofc. in IL)
Chase: 800-955-9900 (Product change status questions)
Chase: 888-298-5623 (Consolidation - M-F 8am-10pm EST)
Chevron/Texaco Biz Card App Status: 888-243-8358
Citi: 800-645-7240, 800-288-4653 (Citi Business)
Citi: 800-750-7453 (Business)
Citi 888-201-4523 (Personal)
Citi: 718-248-0847 (EO)
Citi: 800-695-5171 (New Accounts UW)
Citi: 605-331-1698 (EO - CC division)
Citi Credit Bureau Dispute Fax: 866-713-5028
Comenity: 800-303-1368 (Consumer Relations - Recon)

Discover: 888-676-3695 (New Accounts)
Discover: 866-305-7691 (Direct Line TO CS)
Discover: 866-222-0536 (EO)

Elan: 800-364-9648 (CC underwriting, business and personal)
Equifax: 800-846-5279 (Direct to Rep)
Equifax Executive Office 404-885-8000
Experian: 800-493-1058, 800-208-9232 (9AM-5PM ET, need report number from EX)
ExxonMobil Biz Card: 800-903-9966

FIA: See Elan
FNBO: 800-444-6220

GEMB: 877-294-7541 (escalated help desk)

Haverty's/Sync: 800-333-1082
Home Depot Store Card: 800-677-0232 (Credit Analyst)
Home Depot Store Card: 423 467 6957 (App Status/Recon)
Home Depot MC (Commercial): 800-720-0649
Home Depot: 800-685-6691 (Commercial)
Hooters: 801-545-6705, 800-850-4668
HSBC: 866-574-4421 (App Status)
HSBC: 866-719-3897 (Credit Analyst)

JC Penney: 800-542-0800
Juniper: 866-408-4064 (Credit Analyst)
Juniper/Barclays: 866-750-6031 (Corp. Offices)

Key Bank: 888-201-4523 (App status)
Key Bank: 800-254-2737
Key Bank MC: 800-288-4653
Key Bank Credit Research Fax: 216-357-6400

Lowes: see Synchrony (GE)

Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues)
Macy's: 800-543-9617 (Recovery Services)
Marvel: see Synchrony (GE)
Meijers MC: 801-517-5560

National City: 800-762-0974 (Credit Dept.)
Nationwide Visa: 866-757-2720 (App. status)
Nordstrom: 800-964-1800 (CLI)

Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker)

Philips 66: 866-289-5630, 800-610-1961
PNC Bank: 800-762-2117 (Business CC)
PNC Bank: 877-562-0150 (Business UW)

Sam's Club: 800-301-5546 (Underwriting)
Sears: 800-599-9710 (App status)
Shell Fleet Card: 800-223-3296 (App status)
Shell: 800-223-3296, 866-438-7435
Shell: 800-377-5150
Staples: 800-767-1291, 800-282-5316
Sunoco Corp. Card: 800-935-3387, 800-278-6626
Sunoco: 800-310-4773
Synchrony (GE): 800-240-0512, 800-480-0205 (Biz)
Synchrony (GE): 800-588-4290 (Consumer)
Synchrony (GE): 877-379-8175 (Sr UW)
Synchrony (GE): 888-885-6937 (Verification)
Synchrony (GE): 800-333-1082 (Haverty's)
Synchrony (GE): 866-519-6441 (Marvel CC, Sr UW)

Target Biz Card: 800-440-5317
Tiffany: 800-770-0800
Transunion: (312) 466-7719 (Corporate Office Resolution Team Voicemail)
Transunion: (610) 546-4600 (Corporate Office, need extension or last name to search directory)

USAA Bank Secured Platinum: 800-344-5696 ext 38763 (secured product specialist)
US Bank: 800-685-7680 (Underwriting)
US Bank Secured Platinum: 800-344-5696 (underwriters for secured product)

Valero: 877-882-5376

Walmart (Sync): 877-379-8175 (Sr UW)
Walmart (Sync): 877-969-5302 (Verification)
Wells Fargo: 866-677-1128 (CC Executive Office)
Wells Fargo: 844-576-6424 (Executive Office)
Wells Fargo: 877-514-3717 (Amex Propel Credit Svcs)
Wells Fargo: 844-879-4824 (Direct # for Product Change Credit Svcs)
Wright Express: 888-743-3893   
 

Share this post


Link to post
Share on other sites

6 minutes ago, DPB said:

Thanks for updating this Marv. 

Here is my contribution from the old thread that wasn’t updated:

 

Citi:

866-606-2787 Doesn’t work.

800-695-5171 Confirmed. Rings directly to a live person (US based) for New Accounts UW/Recon.

Done, Original list updated.

Share this post


Link to post
Share on other sites

AMEX Business charge cards - (877) 399-3083

I applied for a Business Platinum card and was declined by their automated system. Called the above number to ask about recon. I didn’t directly get an underwriter. But the lady on the phone took the information and said she’d get it to the UW department. I didn’t believe her, but she called back just a couple minutes later to say she spoke to the UW team and I was approved. So this should work for AMEX Biz charge cards. Not sure about their other cards though. 

Share this post


Link to post
Share on other sites
5 hours ago, DPB said:

AMEX Business charge cards - (877) 399-3083

I applied for a Business Platinum card and was declined by their automated system. Called the above number to ask about recon. I didn’t directly get an underwriter. But the lady on the phone took the information and said she’d get it to the UW department. I didn’t believe her, but she called back just a couple minutes later to say she spoke to the UW team and I was approved. So this should work for AMEX Biz charge cards. Not sure about their other cards though. 

Done, original list updated.  Thank you very much for the contribution.

Share this post


Link to post
Share on other sites

Marv, 

As I don't see it on the list, here is the number to Equifax' executive offices in Atlanta. 

 

404-885-8000

 

They can also transfer you to a US based agent for help. Was finally able to access my account once I got the right department on the phone. 

Share this post


Link to post
Share on other sites
24 minutes ago, AlabamaSteve said:

Marv, 

As I don't see it on the list, here is the number to Equifax' executive offices in Atlanta. 

 

404-885-8000

 

They can also transfer you to a US based agent for help. Was finally able to access my account once I got the right department on the phone. 

Done, and thank you very much for the contribution!

Share this post


Link to post
Share on other sites
On 3/18/2019 at 6:17 AM, MarvBear said:

I can continuously update this first post with the latest information if everyone will post to this thread.  I'll make the change and acknowledge.  We truly appreciate your participation.

 

Citi: 605-331-1698 (EO - CC division)

This number worked for me on 10/17/19  - I was able to speak to someone that successfully pulled some of my credit limit from one Citi card and moved it over to another (that I had been continuously getting denied CLI requests on).  

Share this post


Link to post
Share on other sites
On 12/16/2019 at 6:06 PM, generallissimo said:

Chase: 888-245-0625 (Credit Analyst - Recons)

Number no longer in use.
 

will update the list.   Thank you for the new information.

Share this post


Link to post
Share on other sites

Cap1: 800-548-4593 (application department; status)

  • This seems to just be a normal line, nothing special

Cap1: 800-625-7866 (Account Specialist)

  • This goes directly to an application specialist with no wait

Share this post


Link to post
Share on other sites

Correction: 800-645-7240 and 800-288-4653 are for Citi Business cards, not personal and 888-201-4523 is not business but personal.

Edited by Menta33

Share this post


Link to post
Share on other sites
55 minutes ago, Menta33 said:

Correction: 800-645-7240 and 800-288-4653 are for Citi Business cards, not personal and 888-201-4523 is not business but personal.

Updated and thank you.

Share this post


Link to post
Share on other sites
On 4/11/2019 at 12:21 AM, DPB said:

AMEX Business charge cards - (877) 399-3083

I applied for a Business Platinum card and was declined by their automated system. Called the above number to ask about recon. I didn’t directly get an underwriter. But the lady on the phone took the information and said she’d get it to the UW department. I didn’t believe her, but she called back just a couple minutes later to say she spoke to the UW team and I was approved. So this should work for AMEX Biz charge cards. Not sure about their other cards though. 

This is the number I called Tuesday, they said no access to UWs but they thought I had a good shot. Card is a business card so I grabbed it from the top list.

Share this post


Link to post
Share on other sites

This number is no longer working. Chase: 888-245-0625 (Credit Analyst - Recons)

Share this post


Link to post
Share on other sites

I just called both these numbers and they work:

 

The Chase reconsideration line for personal cards is 1-888-270-2127. The Chase reconsideration line for business cards is 1-800-453-9719.

Share this post


Link to post
Share on other sites
5 hours ago, Day said:

This number is no longer working. Chase: 888-245-0625 (Credit Analyst - Recons)

The Chase reconsideration line for personal cards is 1-888-270-2127. The Chase reconsideration line for business cards is 1-800-453-9719.

Share this post


Link to post
Share on other sites
Posted (edited)
On 10/16/2019 at 1:59 PM, gerray said:

This number worked for me on 10/17/19  - I was able to speak to someone that successfully pulled some of my credit limit from one Citi card and moved it over to another (that I had been continuously getting denied CLI requests on).  

CITI COMBO UPDATE

five calls later and I've gotten a stone wall from analysts and EO on moving limits (premier to prestige) even when I've pointing out I'll be closing premier before the AF renews regardless of moving limits or not. All I get is Discovery-esk niceness thanking me for being citigold and a longtime cardholder.

Edited by hegemony

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Similar Content

    • By BFee317
      I finally decided to attack my credit issue rather than pretend they don't exist. Here is the situation
       
      Here is my CreditKarma information...
       
      TransUnion and Equifax (both show the same items
      Credit Cards $0
      I have a $500 secured Discover IT card that I used for YouTube TV payment and that is it. Between 10% and 30% utilization opened May 2020.
      My mother added me as an authorized user to her Costco Capital One card that has perfect payment history, 8 years open and a $15,000 limit.
       
      Collections $5,317
      Armada Corp
      Total Accounts 6 (medical) Oldest age of account 2019
      $3,193 
       
      Puget Sound Collections 
      Total Accounts 2 (medical) Oldest age of account 2019
      $1,814
       
      Solverity
      Total Accounts 1 (medical) Oldest age of account 2019
      $310
       
       
      Student Loans
      $0
      Accounts Were Garnished from my paycheck and paid
      Closed Accounts 4
      Dept of Education/NELNET (Closed 4/2016) 
      Dept of Education/NELNET (Closed 4/2016)
      US Department of Education (Closed) Opened 09/2012
      US Department of Education (Closed) Opened 09/2012
       
      I have sent debt validation letters to all three credit bureaus and this is what was verified. Where do I go from here. I was added as an authorized user to my mothers credit card (Capital One Costco) about a month ago. I hope this helps my score improve but it hasn't reported yet. I saw a 25+ point boost from my secured discover card but it hasn't helped since then. Can anyone offer some guidance as to a path for a better credit score? 
       
      Thanks,
      BFee  
    • By BFee317
      Anyone have experience pulling medical collections back from the credit agency and start a payment plan with your HC provider? Or negotiating with a HC provider for items already in collections and paying the HC a negotiated monthly amount or a one time negotiated payment then doing WhyChats system if the items are not removed from collections? The reason I ask is I have over 9 open accounts with Armada Corp (CA) totally over $15,000 and I am looking for the most efficient way to get this removed from my credit report.
       
       
      Thanks,
      BFee
    • By nferra2
      I am going to help my SO repair their credit, it is a mess, 99% compounded by medical bills but other trade lines got caught up from reduced income and everything that comes from major medical events.  In the past I was successful with a Jack attack letter addressing all trade lines.  Whatever was left I would move onto doing the 1-2 punch using DV letters and asking the CRA to validate.  I never claimed or denied validation of the debts in my Jack attack letters.  Do you think this can still work?  Any other suggestions?  I was never 100% and had to let a couple things age off, but I was able to reduce a lot in the past.  I plan on hitting the post office Tuesday!
       
      There are 7 positive, active trade lines even if some are not the best.  Fingerhut, CreditOne, Indigo stood out.  I am going to add them to my Discover and my banks CC, that should help in the long run.
       
      Thanks in advance!  
    • By maddox80
      Lovely Navient is posting 4, yes 4 charge-offs on my credit report.  I'm starting with Equifax.
       
      Round 1:  Disputed because there was still a past due balance showing on the charged off accounts (all of them).  One Navient Account deleted, the rest were "verified."  Equifax "updated" the "date of last payment" to literally June 2020 ... on charged off accounts.   They still show a past due balance, even though the debts were sold to a collection agency. 
      Round 2:  Sent a method of verification letter to Equifax.  Equifax responded with a "We don't have a credit file for you" letter.  Stall tactic?
      Round 3:  Sent a second method of verification request with copies of the "we don't have a credit file for you" letter, proof of identity, copies of their previously "verified" accounts/"investigation results" pointing out they reported payments on charged off accounts.  Interestingly, the "little boxes" that appear under the accounts which tell you if it's a timely payment, late, or a charge off still show a "late/charge off" for the months Equifax says they verified I made payments.  Result:  Investigation is PENDING.
       
      I signed up for MyFico and apparently, Navient is reporting these charge offs/lates, FRESH, on a monthly basis - even after they sold the debt.  Is this legal?  How can I be late on a debt that doesn't exist anymore since they sold it off? I had a charge off before for a credit card a long time ago and once it was charged off and sold (Navient sold the debt as well) it wasn't reported every.dang.month.  Is this legal or some sort of reporting violation?
       
      Am I doing this correctly?  Should I do a 609 and demand that they show me a copy of my MPN?  TIA!!!
       
       



  • Member Statistics

    • Total Members
      179,252
    • Most Online
      2,046

    Newest Member
    tradek1ng
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines